Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does well: it discloses deterministic table lookup, no LLM involvement, ~20ms latency, privacy-first behavior, and non-medical scope. These are meaningful behavioral traits beyond what a schema or annotation would typically convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.